A method for mobile credit acquisition is disclosed. The method deploys a shopping incentive offer, the shopping incentive offer for a shopping incentive. A device identifier associated with a user's mobile device is received in response to a user responding to the shopping incentive offer on the user's mobile device. In addition, a user identifier is received for the user. The device identifier and the user identifier are used to obtain user specific information useable for a credit prescreen. The shopping incentive is then provided to the user's mobile device. If the user does pass a credit prescreen, a pre-approved credit offer is also provided to the user via the user's mobile device in conjunction with the shopping incentive.
Legal claims defining the scope of protection, as filed with the USPTO.
2. The system of claim 1 wherein the acceptance message is a text message.
4. The system of claim 1 wherein said shopping incentive offer is located in a physical location within a retail store.
5. The system of claim 1 wherein said shopping incentive offer is broadcast to said user's mobile device when a location of said user's mobile device is in proximity to a retail store providing said shopping incentive offer.
6. The system of claim 1 wherein the mobile device identifier is a user's mobile device phone number and the user identifier is a user's zip code.
7. The system of claim 1 wherein the user specific information useable for a credit prescreen is a name and a current address.
8. The system of claim 1 wherein the shopping incentive provider further provides an additional shopping incentive offer to said user, wherein said additional shopping incentive becomes available after said user successfully completes the pre-approved credit offer.
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October 19, 2022
July 30, 2024
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